so you're always on the defense. i think as far as the banks are concerned, and as far as, you know, what happened on friday with jpmorgan is concerned, it is clear that you have across the aisle, bipartisan support to go after the financials and go after the banks. the banks now being so well capitalized are also a great place to go and try to exact money. exact funds. that's certainly what the consumer finance protection bureau is doing. i think that's what a.g.s are going to do. it will be a steady beatdown. there's nothing going to be as huge as the mortgage clickback. it will be an omnipresent concern. i think that's why you see a certain portion of discount in the stocks. >> it doesn't bother you about bank of america. that's the stock you said is the most owned for 2013? >> all this is factored into bank of america. but bank of america has the most operating leverage of any of these big financials. so, wryeah, it always bothers m. but they have so much stuff in the rear-view mirror as opposed to maybe some oth